Mortgage lenders in Louisa County
1,534 mortgages were made in Louisa County, Virginia, in 2025, by 267 lenders. The median rate their borrowers got was 6.583% on a median loan of $295,000. Of 2,059 decisions, 455 were denials — 22.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 121 | 6.625% | $225,000 | 16.9% |
| UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION, INC. | 78 | Not published | $105,000 | 28.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 65 | 6.125% | $325,000 | 24.2% |
| Ixonia Bank | 56 | 6.750% | $350,000 | 3.5% |
| Navy Federal Credit Union | 52 | 6.688% | $265,000 | 31.3% |
| Truist Bank | 52 | 6.490% | $175,000 | 38.4% |
| Virginia Credit Union, Inc. | 50 | 6.500% | $120,000 | 18.0% |
| MOVEMENT MORTGAGE, LLC | 38 | 6.375% | $330,000 | 4.7% |
| FREEDOM MORTGAGE CORPORATION | 30 | 6.250% | $350,000 | 12.2% |
| Atlantic Coast Mortgage, LLC | 30 | 6.558% | $305,000 | 3.2% |
| United Bank | 28 | 6.813% | $215,000 | 31.0% |
| Atlantic Union Bank | 28 | 7.500% | $170,000 | 36.4% |
| PENNYMAC LOAN SERVICES, LLC | 27 | 6.500% | $255,000 | 20.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 27 | 6.625% | $405,000 | 3.5% |
| NFM, INC. | 27 | 6.750% | $375,000 | 3.6% |
| CMG MORTGAGE, INC. | 26 | 6.438% | $335,000 | 0.0% |
| C & F Mortgage Corporation | 25 | 6.750% | $395,000 | 0.0% |
| CAPITAL CENTER, L.L.C. | 22 | 6.500% | $265,000 | 15.4% |
| Prosperity Home Mortgage, LLC | 22 | 6.250% | $370,000 | 0.0% |
| First Heritage Mortgage, LLC | 20 | 6.433% | $340,000 | 0.0% |
| Loandepot.Com, LLC | 17 | 6.625% | $205,000 | 29.2% |
| Towne First Mortgage, LLC | 16 | 6.495% | $345,000 | 11.1% |
| LIMA ONE CAPITAL, LLC | 16 | 10.450% | $330,000 | 0.0% |
| Mortgage Research Center, LLC | 15 | 6.125% | $395,000 | 44.8% |
| Bank of America, National Association | 15 | 6.240% | $165,000 | 44.4% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 15 | 6.625% | $355,000 | 0.0% |
| Towne Bank | 15 | 6.490% | $385,000 | 0.0% |
| NEWREZ LLC | 14 | 7.250% | $285,000 | 39.1% |
| Waterstone Mortgage Corporation | 14 | 6.625% | $310,000 | 0.0% |
| Alcova Mortgage LLC | 14 | 6.750% | $365,000 | 6.3% |
| EMBRACE HOME LOANS, INC. | 14 | 5.995% | $325,000 | 0.0% |
| GRAY FOX MORTGAGE, LLC | 14 | 6.750% | $390,000 | 0.0% |
| Wells Fargo Bank, National Association | 13 | 6.375% | $235,000 | 13.3% |
| Integrity Home Mortgage Corporation | 13 | 6.625% | $355,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 11 | 6.125% | $265,000 | 31.6% |
| TIDEWATER MORTGAGE SERVICES, INC. | 11 | 6.625% | $365,000 | 0.0% |
| Fulton Bank, National Association | 11 | 6.490% | $665,000 | 8.3% |
| Fairway Independent Mortgage Corporation | 11 | 6.750% | $335,000 | 0.0% |
| The Federal Savings Bank | 10 | 6.563% | $310,000 | 16.7% |
| Broker Solutions, Inc. | 9 | Under 10 loans | Under 10 loans | 25.0% |
| NATIONSTAR MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| SUMMIT FUNDING, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 8 | Under 10 loans | Under 10 loans | 62.5% |
| JPMorgan Chase Bank, National Association | 8 | Under 10 loans | Under 10 loans | 11.1% |
| First National Bank of Pennsylvania | 8 | Under 10 loans | Under 10 loans | 20.0% |
| PENTAGON FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Presidential Bank, FSB | 8 | Under 10 loans | Under 10 loans | 20.0% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| FIGURE LENDING LLC | 7 | Under 10 loans | Under 10 loans | 9.1% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| INTERCOASTAL MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens and Farmers Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AmeriSave Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 82.1% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 40.9% |
| Citizens Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Northwest Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 25.0% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| TOWER Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION ENERGY CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| First-Citizens Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HENRICO Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Colonial Farm Credit, ACA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST SAVINGS MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHERN TRUST MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORIA DEVELOPMENT, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | Under 10 loans | Under 10 loans | 93.6% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 66.7% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SOUTHWEST STAGE FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Shore United Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Freedom Bank of Virginia | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Carter Bank & Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| C&F Select LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 75.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| STATE EMPLOYEES' | 2 | Under 10 loans | Under 10 loans | 60.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHARTWAY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST BANCORP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truliant Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Strategic Funding, LP | 2 | Under 10 loans | Under 10 loans | 50.0% |
| WesBanco Bank, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CALL FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATION ONE MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LANGLEY Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LINKBANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Burke & Herbert Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 87.5% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PARTNERS 1ST Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Clarke | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Argent Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Queensborough National Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Apple Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Jefferson Security Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CityWorth Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DuPont Community Federally Insured State-Chartered Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Vellum Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NextMortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE BANK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Univest Bank and Trust Co. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Charles Town | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 67 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Louisa County
6 FDIC-insured branches from 5 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Blue Ridge Bank, National Association | 2 | $137.9 million |
| United Bank | 1 | $121.3 million |
| Wells Fargo Bank, National Association | 1 | $119.6 million |
| Truist Bank | 1 | $87.0 million |
| Woodforest National Bank | 1 | $5.8 million |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.